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Higo Bank Ltd. Dec 11

  • ID: 2033726
  • December 2011
  • Standard & Poors
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Strong capital base, in terms of both quality and quantity Strong liquidity and stable funding base, backed by its strong deposit base, which is well diversified. Stable business franchise in its home market of Kumamoto prefecture Low profitability compared to other Japanese regional banks Limited prospects of growth in revenue, which reflect the state of the local economy Standard & Poor's bases its ratings on Higo bank on the bank's "adequate" business position, "strong" capital and earnings, "adequate" risk position, "average" funding, and "strong" liquidity. Higo Bank's stand-alone credit profile (SACP), which excludes extraordinary government support, is 'a'. Our bank criteria use our BICRA economic risk and industry risk scores to determine a bank's anchor SACP, the starting point in...

Companies mentioned in this report are: Higo Bank Ltd.
Action: Review

Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.

Research Type: Full Analysis

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Higo Bank Ltd.

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